What is a remortgage in London?

A remortgage in London is the process of taking out a brand new mortgage, in the house you are already in, once you are at the point where your existing deal is set to end. Many homeowners will choose a fixed-rate mortgage to keep their payments consistent for a period of time, and then once this period is over, remortgage in London to access a better deal. In order for your mortgage to be classified as a remortgage in London, you will take out your mortgage with another mortgage lender to the one you had before. This is called a product transfer if you take out a new mortgage with the same mortgage lender.

What are the benefits to a remortgage in London?

It is understandable that you want to be at the most suitable interest rate because mortgages are one of the biggest financial commitments you make. It is for this reason that people will typically look to take out a remortgage in London. There are a variety of reasons why a homeowner may want to remortgage in London, such as to release equity to cover the costs of any home improvements or to consolidate unsecured debts. If you do not decide to remortgage in London, you could end up on the standard variable interest rate of your mortgage lenders, which we tend to find more expensive. Remortgaging in London can be a terrific way for homeowners to save money!

Can I consolidate my debts into my mortgage in London?

This answer may change depending on the lender you used and the size of the unsecured debt you have accumulated. But yes, sometimes you can remortgage in London to incorporate your debts into your mortgage. When you do this, your monthly mortgage payments will increase, as will your mortgage term. You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments. Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

Are there fees involved with remortgaging in London?

The fees that are involved with remortgaging in London are like those that came with your first mortgage set-up, depending on which mortgage broker in London you went with first. If you speak to a mortgage broker in London , they will run through all these fees with you. They will consider said fees when comparing the savings of the new deal with your current mortgage.

Remortgage in London | Remortgage Advice in London

Looking to remortgage in London?

Once you’re almost at the end of your initial fixed mortgage period, you may be looking to contact a mortgage broker in London to look at your remortgage options.

Across our over two decades of helping homeowners with their remortgage in London, we have helped thousands of customers find more appropriate and competitive Remortgage deals to match their needs.

Helping you to remortgage in London

Our dedicated team of expert mortgage advisors in London have the ability to search through 1000s of Remortgage deals for you. If they find a more suitable deal that matches your circumstances and you are happy to proceed with it, we can get started with the process of your mortgage and get your application for a remortgage in London submitted to the lender.

We want what is best for you and will always recommend the best path for you to take as a homeowner. If you would be better off with your current lender and simply doing a product transfer, our mortgage advisors in London will inform you of such. We believe in full transparency with the customer.

It is highly recommended that you take advantage of the free Remortgage appointments we have available. Getting a free initial mortgage review may allow you to access much better mortgage rates, saving money in the long run.

Book your remortgage review with a reputable mortgage broker in London today and we’ll get started on your remortgage in London.

How does my remortgage review work in London?

Here at Londonmoneyman, your remortgage review with one of our dedicated remortgage advisor in London will last 30 minutes to 1 hour. During your appointment, we will review your current mortgage deal and see if you can access a better rate. We will also review all your other remortgage options in London.

We believe in being fully transparent, so if we think you can access a better rate, we will search through 1000s of remortgage deals in London and find the perfect one for you.

Speak to an Advisor

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

Common FAQs for a Remortgage in London

Our Customers Love Us

190 5 Star Reviews

Adam Bateman

Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice

9 Jun 2026

amber sheridan

Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.

28 May 2026

Keith Hirst

UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.

22 May 2026

Victor Abrams

I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams

15 May 2026

Julie Brake

We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.

12 May 2026

Abdul khaliq Mayar

I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.

11 May 2026

Flc

Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!

5 May 2026

William Thompson

I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me

29 Apr 2026

Yasir Noori

The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application

16 Apr 2026

Janiene Walton

Great service, very professional and I felt my adviser really was interested in helping me get the best deal for a repayment mortgage for my age group.

29 Mar 2026

Our Simple Remortgage Process

Free 30-Minute Remortgage Appointment

During the appointment, you will discuss your current situation with one of our expert remortgage advisor in London and what you hope to achieve.

With the information surrounding your income and expenditure, it will help our mortgage advisors in London work out your affordability.

We Can Search 1000s of Remortgage Deals

Our team will search through 1000s of remortgage products to find the most suitable deal for you!

Before recommending the final product, we will consider your personal and financial situation.

Submit Your Remortgage Application

Once your offer has been accepted, your remortgage advisor in London will submit your full mortgage application and send all evidential documents to the lender.

During this process, your dedicated case manager will keep you informed every step of the way, right through, until you receive your formal remortgage offer and complete your purchase.

Protecting You and Your Mortgage

We always like to go the extra mile. As well as securing you the most suitable remortgage deal, we will also recommend relevant insurance to keep you and your family protected.

We will also contact you when your next remortgage in London is due for renewal, to ensure you are always on the most suitable deal

Reasons to Choose us

Free Initial Mortgage Review

Book your remortgage review today and we’ll get your remortgage in London started, hopefully quicker and more streamlined than your initial mortgage already was. We’re here to provide you with a top tier customer experience, all throughout your process.

1000s of Remortgatge Deals

Here at Londonmoneyman, we are very proud that we are able to provide our customers with a fast and friendly Mortgage Advice in London. We truly do love our jobs, ensuring customers can achieve their mortgage dreams by searching thousands of remortgage deals.

Our Service

To learn more about our mortgage advice service and how satisfied we leave our customers at the end of their process, please take a look at our company reviews. There are plenty of reviews from homeowners just like you, who were thrilled with the service we could provide.

Our hard working workforce of mortgage advisors in London will offer every customer who gets in touch, their very own remortgage review for their remortgage in London.

7 Days a Week

We’re here for you all throughout the week, from early in the day until late at night, with appointments that are bookable at convenient times around your busy schedule, subject to availability.

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

We Search 1000s of Remortgage Deals in London

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Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.

UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.

Remortgage Advice in London

Remortgage Advice in London

Looking to remortgage in London?

Helping you to remortgage in London